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Kotak Mahindra Bank

Kotak Air+ Credit Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns Air Miles

First-year fee

₹3,000 + GST

Annual fee

₹3,000 + GST

What it gives back

2 Air Miles per ₹100 · everyday spends

Read from 9 Kotak Mahindra Bank documents, last checked 19 Oct 2026.

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How it compares

Compared with the cards we have read

₹3,000 annual fee: of the 273 other open cards whose annual fee we have read, 225 state a lower one, 4 state the same and 44 state a higher one.

2% forex markup: of the 291 other open cards whose forex markup we have read, 45 state a lower one, 18 state the same and 228 state a higher one.

Fees

  • Annual feeJoining fee

    ₹3,000 + GST

  • Fee waiver rule

    Condition for waiver of Annual Fees Not Available.

Welcome offer

  • Welcome benefit

    Earn 2,500 Air Miles as Welcome Benefit.

Rewards

  • Reward rate

    2 Air Miles per ₹100 · everyday spends2 Air Miles for every ₹100 spent for other purchases.

  • Travel earning

    5 Air Miles for every ₹100 spent on Flight & Hotel Booking through Kotak Unbox.

  • Reward exclusions

    No Air Miles will be accrued on Utility/Telecom, Insurance, Education & Government, Rent, Fuel, Wallet Loading, EMI, Online Gaming, Cash Advance and International Transactions.

  • Reward caps

    Accelerated Air Miles earn for Flight/Hotel Booking on Kotak Unbox is capped at 15,000 Air Miles per statement cycle.

  • Catalogue redemption

    1 Air Mile = ₹1 when redeemed for Flight and Hotel Booking through Kotak Unbox.

  • Flight redemptionHotel redemption

    Air Miles redemption for Flight/Hotel Booking on Kotak Unbox is up to 80% of the booking value

  • Redeeming points for travel

    Air Miles earned can be used for booking flights, hotel stays or can be transferred to preferred hotel/airline partners.

  • Airline and hotel partners points may move to

    Air Canada, Air France, British Airways, Cathay Pacific, Etihad Airways, Qatar Airlines, United Airlines 2:1; Accor 2:1, Marriot 3:1.

  • Points transfer redemption

    Minimum 1,000 Kotak Air+ Credit Card Air Miles required for transferring into respective Hotel and Airline Partners

Card benefits

  • International lounge access

    2 Complimentary International lounge access annually (Primary Cardholders)

  • Domestic lounge access

    4 Complimentary Domestic lounge access annually (Primary Cardholders)

  • Priority Pass

    Complimentary 2 International lounge access for primary cardholders, powered by Priority Pass.

  • Renewal benefit

    2,500 Air Miles as Renewal Benefit on completion of each anniversary year

Also included

  • Fuel surcharge waiver

    1% Fuel surcharge waiver for fuel transactions done on petrol pumps across India.

Charges

  • Forex markup

    2% on foreign currency transactions.

  • Cash advance fee

    2.5% of the advance amount (minimum ₹500)

  • Interest on unpaid balance

    3.50% monthly (42.00% annualized)

  • Interest-free period

    Up to 51 days

  • Late payment fee

    Outstanding Balance <= ₹100: ₹0, >₹100-₹500: ₹100, >₹500-₹1000: ₹500, >₹1000-₹5000: ₹600, >₹5,000-₹10,000: ₹750, >₹10,000-₹25,000: ₹900, >₹25,000-₹50,000: ₹1,100, >₹50,000: ₹1,300.

  • GST note

    GST/Applicable taxes are charged as per the rates approved in the Finance Act each year on all interest and fees and other charges levied on the Credit Card

How we know - 9 documents from Kotak Mahindra Bank, checked 19 Oct 2026

9 documents from Kotak Mahindra Bank, checked 19 Oct 2026.

  • Air Miles Transfer Ratio29 Sep 2026Proof
  • Key Fact Statement KFS Kotak Air Plus Cc6 Oct 2026Proof
  • Card pageProof
  • Lounge access termsProof
  • Card terms and conditionsProof
  • Steps Kotak UnboxProof
  • Fees and charges pageProof
  • MITC and Key Fact StatementProof
  • Fees and charges pageProof

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Apply on Kotak Mahindra Bank

₹3,000 a year

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